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Time For A Little Lovin’! Hey there, As you already know, February 14th is Valentine’s Day. Everyone you value and cherish is expecting something special from you. And ‘special’ usually means expensive. After all, a greeting card alone could cost you $5....

Anyone who has sat down to dinner has, no doubt, had the phone ring only to get a pre-recorded message or Voice Broadcast. So when I pose the question I do in the title, many first inclinations will be to respond in the negative. If you do think that way then you may be missing...